Bank Comparison
The First National Bank of Long Island vs Arrow Bank N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 15
winning metrics across 21 comparable rows
Capital adequacy
| Metric | The First National Bank of Long Island | Arrow Bank N.A. |
|---|---|---|
| CET1 Ratio | — | 13.41% |
| Tier 1 Capital Ratio | — | 13.41% |
| Total Capital Ratio | — | 14.53% |
| Tier 1 Leverage Ratio | 10.28% | 9.62% |
| Equity / Assets | 9.36% | 9.72% |
Profitability
| Metric | The First National Bank of Long Island | Arrow Bank N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.38% | 1.23% |
| Return on Equity (ROE) | 4.19% | 12.53% |
| Net Interest Margin (NIM) | 1.93% | 3.45% |
| Yield on Earning Assets | 4.09% | 5.11% |
| Cost of Funds | 2.31% | 1.76% |
Asset quality
| Metric | The First National Bank of Long Island | Arrow Bank N.A. |
|---|---|---|
| Texas Ratio | 0.96% | 1.22% |
| Non-Performing Loan Ratio | 0.12% | 0.14% |
| Non-Performing Asset Ratio | 0.10% | 0.11% |
| Net Charge-Off Ratio | 0.02% | 0.09% |
| ACL / Loans | 0.89% | 0.99% |
Balance sheet
| Metric | The First National Bank of Long Island | Arrow Bank N.A. |
|---|---|---|
| Total Assets | $4,075M | $4,500M |
| Total Deposits | $3,300M | $4,014M |
| Total Loans | $3,163M | $3,438M |
| Total Equity | $381,432K | $437,460K |
| Net Income (quarter) | $3,977K | $13,581K |
Liquidity & funding
| Metric | The First National Bank of Long Island | Arrow Bank N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 95.86% | 85.66% |
| Core Deposit Ratio | 94.95% | 96.49% |
| Uninsured Deposit Ratio | 49.41% | 27.39% |
Identity
| Metric | The First National Bank of Long Island | Arrow Bank N.A. |
|---|---|---|
| Headquarters City | Glen Head | GLENS FALLS |
| Headquarters State | NY | NY |
| Asset Tier | Large | Large |
| Charter Class | 13126 | 7699 |
| Regulator | OCC | OCC |
| Domestic Branches | 41 | 38 |
| Employees (FTE) | 262 | 602 |
| Established | Oct. 1, 1927, midnight | Jan. 1, 1851, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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